Buy Now. Pay Later.

Apply for PayPal Credit today or during your PayPal checkout. Just answer two quick questions, accept the terms and get a decision in seconds.

Apply Today Subject to credit approval. See Terms.

Here’s how it works.

  1. Check out with PayPal.
  2. Select PayPal Credit as your preferred way to pay.
  3. Manage your account at and get an email when your monthly statement is ready.
Apply Today Subject to credit approval. See Terms.

Promotional Financing Offers Work for You

Special financing with PayPal Credit is a great way to buy what you want. Look for offers – such as 6 months special financing when you spend $99 or more per transaction, during checkout with PayPal. You can take advantage of financing offers on multiple purchases up to your available credit line.

Avoid interest charges.

  • Log in to to check your account information at any time to keep track of your purchases and make payments.
  • We’ll also email you a monthly statement to help you stay on top of your purchases.
  • Just be sure you pay the amount financed for your purchase in full by the promotion expiration date to avoid interest on the purchase.
  • You can even use the special financing offers on multiple purchases. We’ll help you keep track of when everything is due.

You decide how to pay.

  • If you don’t want to pay before the promotional period ends, you will owe the interest that has accumulated at an Annual Percentage Rate (APR) of 19.99% starting from the posting date (which is usually within a few days after the purchase date).
  • This accumulated or deferred interest will be added onto your account balance when the promotional period for this purchase expires, if the balance is not paid in full.
  • Deferred interest amounts and expiration dates are available online and on your statements, so you can stay in control of your money.

More Time to Pay Almost Everywhere PayPal is Accepted

You can use PayPal Credit at most places PayPal is accepted – online and offline. To speed through checkout even faster, choose PayPal Credit during your account set up as your preferred payment method for PayPal purchases. Visit to see a list of stores where you can use PayPal Credit.

Send Money Using PayPal Credit

Get more flexibility when you need to send money to friends and family. You can still send money in a few clicks with PayPal – and now when you choose PayPal Credit, you can pay later.

Here’s how it works:

  • Log into and select the Send Money tab.
  • Enter the recipient’s email address or phone number, amount, and transaction type.
  • Click Change to select PayPal Credit as your payment method if it’s not already set.
  • Confirm your payment details, and you’re done.
  • Your transaction will appear on your monthly PayPal Credit statement.
  • You’ll get an email when your statement is ready and you can pay your bill through

Are there fees if I choose PayPal Credit when I use PayPal to send money?

When you use PayPal Credit to send money, a flat fee of 2.9% + $0.30 USD per transaction is included in your payment total. This is the same fee you pay when you use a debit/credit card to send money through PayPal. If you’re sending money to friends or family, you can choose to add the fee to your total amount (which means you pay the fee), or have it deducted from the recipient’s amount (which means they pay the fee). If you’re sending money to pay for a purchase, the seller pays the fee.

Note: You cannot use PayPal Credit to send money to friends or family internationally. If you are sending money to pay for a purchase, you can use PayPal Credit as long as the currency selected is US dollars. You also cannot use PayPal Credit to send money on your mobile device just yet. Also, special financing offers do not apply to send money transactions.

It’s Easy to Pay

You can review your purchase history, pay your balances, check promotional offers and see upcoming payment due dates through PayPal Credit is paperless, so be sure to look for your monthly statement reminder by email.

Get Extra Layers of Privacy and Security

With PayPal Credit, you can shop and pay for your purchases with confidence knowing your financial information is secure no matter how you choose to pay.

Check out our FAQs to learn more or call customer service at 1.866.528.3733 from:
7 AM ET to 1 AM ET Monday-Friday
9 AM ET to 11 PM ET Saturday-Sunday

Get started now, get a decision in seconds.

Apply Today Subject to credit approval. See Terms.

PayPal Credit is subject to credit approval as determined by the lender, Comenity Capital Bank and is available to US customers who are of legal age in their state of residence.
*The Annual Percentage Rate is 19.99%. Minimum interest charge is $2.00